Use Add Snapshot to record policy values from a carrier portal or statement.
Choose an Entry Path
- Manual: enter the snapshot date, Total CV or Net CV basis, loan balance, and death benefit. You may attach the source file.
- Portal screenshots: Builder Pro can read one or more images or PDFs, merge the extracted fields, and show every value for review before saving.
- Annual statement: use Add Annual Statement when recording anniversary values, dividend, and statement history. Enter it manually or use Builder Pro extraction.
Only one snapshot can exist for a policy on a given date. If that date already exists, Replace existing snapshot updates the existing record rather than creating a duplicate.
Save is available only once every value is entered — Statement Date, Total CV, Loan Balance, and Death Benefit. Loan Balance is required, and $0 explicitly means "no loan." A blank field is not the same as a recorded zero, so a policy with no outstanding loan should have its Loan Balance entered as $0 rather than left empty.
Review a Large Loan Balance
When a whole life snapshot records a loan balance above its positive Total CV, or a large change from the last recorded balance, Policy Stack pauses before writing and shows the exact balance, cash-value basis, and loan-to-value percentage. It uses the snapshot's positive Total CV first and the prior recorded positive Total CV only when the snapshot has no positive value. Without either basis, LTV is unavailable rather than shown as 0%.
Above 120% LTV, select Record these figures to confirm the unchanged values or Edit figures to revise them. This is a factual data-quality check, not advice. It does not infer or record a loan draw.
Detected Loan Activity
In current production, saving a snapshot does not silently overwrite existing tracked per-loan balances unless balance-first reconciliation is enabled for your account.
When the new carrier balance differs from recorded activity, Policy Stack may ask whether the difference represents a draw, repayment, or carrier interest. For a detected draw, choose Deployed into an asset and select the recorded asset, or choose Personal use, select a purpose category, and optionally add a note. Log draw or Log repayment records and applies that event once.
When balance-first reconciliation is enabled, the latest applicable snapshot becomes the carrier balance anchor for the policy loan. Material increases beyond expected interest create one canonical snapshot-backed draw; nominal increases are capitalized interest; decreases can be recorded as repayments. The follow-up characterizes the adjustment and never applies the same movement twice. A backdated snapshot remains historical and cannot overwrite a newer carrier reading. Add past activity reconstructs one row per historical draw — what it funded, original amount, date, cumulative principal repaid, and principal left to repay — without changing the recorded balance. The purpose can remain free text, link an existing tracked asset, or create and link a new asset from the row; the link can be changed later. Any gap remains Unexplained. When per-draw repayment allocation is also visible, a detected repayment can use the saved First in, first out (FIFO) or Equal reduction default, a one-time override, or exact dollars by draw.